Starting in 2011 and continuing for the next 20 years, 10,000 people will turn 65 every day in the U.S. If you are a member of this dynamic group, you must act now to protect your freedom and independence.
Taxes are an essential consideration of any strategy to achieve long term freedom. Consider these tax tips.
Louis A. Gardner, CLU
CA Department of Insurance License #0689479
Louis Gardner is widely known in the Independent Financial Planning world for his work with major insurers in a management and product shaping capacity. Beginning in 1987, Louis helped Pacific Life develop and distribute the first Variable Universal Life product accessible to the Broker/Dealer Community. His role as National Sales Manager for Nationwide, and Vice President of Brokerage for New York Life have given Louis extensive product and case design expertise. Experienced in designing and implementing complex plans, he is also highly skilled at helping individuals to leverage these tools to protect their personal long term freedom. Louis holds the CLU designation, has been published in numerous industry publications, is a frequent keynote speaker at various industry meetings and has served on the LIMRA Distribution Committee.
Anthony Vultaggio, CLU, ChFC
CA Department of Insurance License #0D05648
Anthony Vultaggio is a 15-year veteran of the insurance and financial services industry. Having earned the CLU and ChFC designations in 2002, he specializes in leveraging the conservative financial planning tools, including annuities, long term care, insurance and retirement planning vehicles to implement plans that deliver long term freedom. Anthony is a published author and sought-after speaker on the topics of life strategies and setting the stage for personal success.
CA Department of Insurance License #0H52518
Tony Mercado has over 20 years of experience in employee benefits and medical claims administration. Having begun his career in the medical field assisting patients with their claims at a multi-specialty medical group, Tony eventually moved into a position overseeing all aspects of human resources as the COO. After losing his wife to Chronic Myelogenous Leukemia, he sold his interest in that business and launched a non-profit foundation to assist those suffering from blood and bone-marrow related illnesses. Today he uses his skills and knowledge to help businesses and individuals navigate the complex world of healthcare benefits.